Cash Offer vs Agent Sale Calculator

Calculate what you really keep

ROI National buys houses for cash, so you can compare a cash offer against a traditional agent sale before you decide. Selling your house has two very different price tags. With a real estate agent, the sticker price is not what you keep: commission, closing costs, repairs, and months of carrying the home all come out of your pocket. With a cash sale to ROI National, you skip all of it. Use the calculator to see the difference on your own numbers.



Move-in ready
Minor updates
Needs work
Major repairs


Advanced options
With an agent, after everything
$0
Take-home after commission, closing, repairs, and holding costs
Cash sale to ROI National
Enter your offer
No commission, no closing costs, no repairs, close in about 7 days
Sale price$0
Agent commission (6%)$0
Seller closing costs (2%)$0
Repairs to sell$0
Holding costs (3 months)$0
You keep with an agent$0

Selling with an agent takes about
$0
out of your pocket, and about 3 months of your time.
Get my real cash offer

Prefer to talk? Call us at (215) 278-9944.

Estimates use typical figures you can adjust: a 6% agent commission, 2% seller closing costs, repair costs based on condition, and about three months of holding costs. Your actual numbers will vary. A cash offer accounts for your home’s condition and our costs; enter the offer you received, or contact us for your real number.

How much does it really cost to sell a house with an agent?

Chart of typical agent-sale costs: commission, closing, repairs, and holding
What selling a $300,000 home with an agent typically costs, using the calculator’s own figures.

Most sellers look at the sale price and assume that is what they keep. It rarely is. A traditional sale usually costs six percent in commission, another one to three percent in closing costs, the price of repairs and cleanup to make the home show well, and every month of mortgage, taxes, insurance, and utilities while the home sits on the market. On a three hundred thousand dollar home, that can quietly erase tens of thousands of dollars and several months. A cash sale removes all of it: no commission, no repairs, no fees, and a closing measured in days.

Cash offer vs agent sale: which one leaves you with more?

The two paths differ in three ways that matter: what it costs you, how long it takes, and how much work falls on you. An agent sale means commission, repairs, and closing costs come out of your proceeds, and the home can sit on the market for months. A cash sale to ROI National removes the commission, the repairs, and the fees, and closes on your timeline. The calculator above puts real dollars on that difference.

When does selling for cash make the most sense?

A cash sale is not right for everyone, and we will tell you when listing is the better move. Before you accept any offer, read how to spot a legitimate cash home buyer. It tends to make the most sense when speed matters, when the home needs work you would rather not pay for, or when you are dealing with a foreclosure, an inherited property, a divorce, or a move you cannot delay. In those situations, the certainty and the closing date are often worth more than a slightly higher sticker price.

Why you can trust these numbers

ROI National is a family-owned company that has bought houses for cash across Pennsylvania, New Jersey, and Delaware since 2015. We make fair, no-obligation offers, we cover the standard closing costs, and we close on the seller’s timeline, with no commissions, fees, or repairs. ROI National is rated 5.0 stars from 54 Google reviews. This calculator uses transparent, adjustable figures so you can see exactly where every dollar goes, and you can read what our sellers say on our customer reviews page or learn the full process in how it works.

Frequently asked questions

Do I pay commission on a cash sale?
No. When you sell directly to ROI National there is no agent and no commission. The offer you accept is what goes toward your proceeds, minus only any mortgage or liens you still owe.
What closing costs does a cash buyer cover?
ROI National covers the standard closing costs on a cash purchase, so you are not paying title, transfer, or attorney fees out of your proceeds the way you would in a traditional sale.
Do I need to make repairs first?
No. We buy houses in any condition, from move-in ready to major repairs. You do not paint, clean, or fix anything before closing, which removes one of the biggest hidden costs of an agent sale.
How fast can I close?
A cash sale can close in as little as seven days, on the date you choose, instead of the two to three months a listed home often takes to sell and close.
How is a cash offer calculated?
A cash offer reflects your home’s value and its condition, with no commission or fees taken out of your side. Enter an offer you have already received to compare, or contact us for your real, no-obligation number.


Possibility starts here. Get approved for your Cash Offer
Get a fair, no-obligation cash offer with a simple process and flexible closing timeline. No repairs, no commissions, no pressure.
How it Works

3 Easy Steps to Get Your Cash Offer

Step 1
Contact

Give us a call &we will set up an appointment to come see the house and get a valuation to create a cash offer.

Step 2
Walkthrough

You don’t need to make expensive repairs or clean, our walkthrough only takes about 15 minutes and we’re done.

Step 3
Cash In Hand

Within a few days of the walkthrough, you’ll get a cash offer in hand - no obligation, sell on your timeline!

SUCCESS!
Your House is SOLD!

No repairs. No commissions. No waiting. We help homeowners sell quickly for cash, even if the property needs work or the situation is time-sensitive.

What Do You Have to Lose? Get Started Now!

We're Here to Help!

Getting an offer from us involves absolutely no risk. We’ll make you an offer, and if you don’t like it, there’s no pressure and no commitment. You get to hear all the final numbers before you decide. Contact ROI National today to get the ball rolling on selling your Philadelphia home.

Ready to get started?

With no obligation and no effort required on your part, there’s no reason to miss out on a cash offer. If you don’t like it, no problem, you can simply use it as a reference point for the future.